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EDA Output

Exploratory Data Analysis for HMEQ Dataset

This report analyses key summary statistics for the HMEQ dataset in order to evaluate best features for building a predictive model



Sample of Dataset

Obs BAD LOAN MORTDUE VALUE REASON JOB YOJ DEROG DELINQ CLAGE NINQ CLNO DEBTINC BAD_CLASS
1 1 1100 25860 39025 HomeImp Other 10.5 0 0 94.367 1 9 . 1
2 1 1300 70053 68400 HomeImp Other 7.0 0 2 121.833 0 14 . 1
3 1 1500 13500 16700 HomeImp Other 4.0 0 0 149.467 1 10 . 1
4 1 1500 . .     . . . . . . . 1
5 0 1700 97800 112000 HomeImp Office 3.0 0 0 93.333 0 14 . 0

We have a mix of categorical and numeric inputs, with incomplete observations in the dataset

Summary Statistics for Numerical Features by Class

The MEANS Procedure

BAD_CLASS=0

Variable Mean Std Dev Minimum Maximum Median N N Miss
LOAN
MORTDUE
VALUE
YOJ
DEROG
DELINQ
CLAGE
NINQ
CLNO
DEBTINC
19028.11
74829.25
102595.92
9.1549410
0.1342169
0.2451325
187.0023549
1.0327491
21.3170361
33.2531286
11115.76
43584.99
52748.39
7.6760335
0.5144903
0.6741240
84.4652169
1.5313223
9.6826008
6.9474817
1700.00
2619.00
8000.00
0
0
0
0.4867115
0
0
0.7202950
89900.00
371003.00
471827.00
36.0000000
6.0000000
5.0000000
649.7471044
11.0000000
56.0000000
45.5698427
16900.00
66839.00
90659.00
7.0000000
0
0
180.4157867
1.0000000
20.0000000
34.5416714
4771
4359
4764
4321
4150
4263
4541
4336
4602
4290
0
412
7
450
621
508
230
435
169
481

BAD_CLASS=1

Variable Mean Std Dev Minimum Maximum Median N N Miss
LOAN
MORTDUE
VALUE
YOJ
DEROG
DELINQ
CLAGE
NINQ
CLNO
DEBTINC
16922.12
69460.45
98172.85
8.0278025
0.7078040
1.2291853
150.1901834
1.7827648
21.2112676
39.3876449
11418.46
47588.19
74339.82
7.1007348
1.4683809
1.9029614
84.9522863
2.2469764
11.8129808
17.7235863
1100.00
2063.00
8800.00
0
0
0
0
0
0
0.5244992
77400.00
399550.00
855909.00
41.0000000
10.0000000
15.0000000
1168.23
17.0000000
71.0000000
203.3121487
14900.00
60279.00
82000.00
6.0000000
0
0
132.8666667
1.0000000
20.0000000
38.0797618
1189
1083
1084
1124
1102
1117
1111
1114
1136
403
0
106
105
65
87
72
78
75
53
786

Our positive class only represents around 20% of the dataset.

All numeric attributes appear to have a wide range of values.

There may be outliers in the dataset as the mean and median is often quite different

Pairplot Analysis of Interval Features

The SGScatter Procedure There appears to be collinearity between the outstanding Mortgage amount and Value amount. The numeric attributes are skewed and may benefit from transformation.\n There is no visible difference between the scatter plots for the BAD class 1 0 BAD_CLASS VALUE MORTDUE LOAN VALUE MORTDUE LOAN The SGScatter Procedure There appears to be collinearity between the outstanding Mortgage amount and Value amount. The numeric attributes are skewed and may benefit from transformation.\n There is no visible difference between the scatter plots for the BAD class 1 0 BAD_CLASS VALUE MORTDUE LOAN VALUE MORTDUE LOAN VALUE = 15000 Percent = 1.7613 VALUE = 45000 Percent = 16.775 VALUE = 75000 Percent = 32.387 VALUE = 105000 Percent = 24.094 VALUE = 135000 Percent = 9.8666 VALUE = 165000 Percent = 6.2073 VALUE = 195000 Percent = 4.7538 VALUE = 225000 Percent = 1.5048 VALUE = 255000 Percent = 1.026 VALUE = 285000 Percent = 1.2141 VALUE = 315000 Percent = 0.1026 VALUE = 345000 Percent = 0 VALUE = 375000 Percent = 0.0171 VALUE = 405000 Percent = 0.0171 VALUE = 435000 Percent = 0 VALUE = 465000 Percent = 0.1539 VALUE = 495000 Percent = 0.0171 VALUE = 525000 Percent = 0.0342 VALUE = 555000 Percent = 0 VALUE = 585000 Percent = 0 VALUE = 615000 Percent = 0 VALUE = 645000 Percent = 0 VALUE = 675000 Percent = 0 VALUE = 705000 Percent = 0 VALUE = 735000 Percent = 0 VALUE = 765000 Percent = 0 VALUE = 795000 Percent = 0 VALUE = 825000 Percent = 0 VALUE = 855000 Percent = 0.0684 VALUE = -11873 Percent = 0.0055 VALUE = -5249 Percent = 0.0483 VALUE = -5249 Percent = 0.0483 VALUE = 1375.7 Percent = 0.2284 VALUE = 1375.7 Percent = 0.2284 VALUE = 8000 Percent = 0.6819 VALUE = 8000 Percent = 0.6819 VALUE = 14624 Percent = 1.5795 VALUE = 14624 Percent = 1.5795 VALUE = 21249 Percent = 3.3493 VALUE = 21249 Percent = 3.3493 VALUE = 27873 Percent = 6.3866 VALUE = 27873 Percent = 6.3866 VALUE = 34497 Percent = 10.286 VALUE = 34497 Percent = 10.286 VALUE = 41121 Percent = 14.319 VALUE = 41121 Percent = 14.319 VALUE = 47746 Percent = 18.5 VALUE = 47746 Percent = 18.5 VALUE = 54370 Percent = 23.279 VALUE = 54370 Percent = 23.279 VALUE = 60994 Percent = 28.203 VALUE = 60994 Percent = 28.203 VALUE = 67619 Percent = 31.379 VALUE = 67619 Percent = 31.379 VALUE = 74243 Percent = 31.9 VALUE = 74243 Percent = 31.9 VALUE = 80867 Percent = 31.463 VALUE = 80867 Percent = 31.463 VALUE = 87491 Percent = 30.861 VALUE = 87491 Percent = 30.861 VALUE = 94116 Percent = 29.017 VALUE = 94116 Percent = 29.017 VALUE = 100740 Percent = 25.852 VALUE = 100740 Percent = 25.852 VALUE = 107364 Percent = 22.53 VALUE = 107364 Percent = 22.53 VALUE = 113989 Percent = 19.551 VALUE = 113989 Percent = 19.551 VALUE = 120613 Percent = 16.183 VALUE = 120613 Percent = 16.183 VALUE = 127237 Percent = 12.635 VALUE = 127237 Percent = 12.635 VALUE = 133861 Percent = 10.018 VALUE = 133861 Percent = 10.018 VALUE = 140486 Percent = 8.4014 VALUE = 140486 Percent = 8.4014 VALUE = 147110 Percent = 7.2228 VALUE = 147110 Percent = 7.2228 VALUE = 153734 Percent = 6.5277 VALUE = 153734 Percent = 6.5277 VALUE = 160359 Percent = 6.3921 VALUE = 160359 Percent = 6.3921 VALUE = 166983 Percent = 6.4128 VALUE = 166983 Percent = 6.4128 VALUE = 173607 Percent = 6.3969 VALUE = 173607 Percent = 6.3969 VALUE = 180232 Percent = 6.0849 VALUE = 180232 Percent = 6.0849 VALUE = 186856 Percent = 5.2796 VALUE = 186856 Percent = 5.2796 VALUE = 193480 Percent = 4.5383 VALUE = 193480 Percent = 4.5383 VALUE = 200104 Percent = 4.1062 VALUE = 200104 Percent = 4.1062 VALUE = 206729 Percent = 3.4584 VALUE = 206729 Percent = 3.4584 VALUE = 213353 Percent = 2.4702 VALUE = 213353 Percent = 2.4702 VALUE = 219977 Percent = 1.6891 VALUE = 219977 Percent = 1.6891 VALUE = 226602 Percent = 1.4263 VALUE = 226602 Percent = 1.4263 VALUE = 233226 Percent = 1.3853 VALUE = 233226 Percent = 1.3853 VALUE = 239850 Percent = 1.2834 VALUE = 239850 Percent = 1.2834 VALUE = 253099 Percent = 0.9816 VALUE = 253099 Percent = 0.9816 VALUE = 259723 Percent = 0.9038 VALUE = 259723 Percent = 0.9038 VALUE = 272972 Percent = 0.8506 VALUE = 272972 Percent = 0.8506 VALUE = 279596 Percent = 1.0053 VALUE = 279596 Percent = 1.0053 VALUE = 286220 Percent = 1.3121 VALUE = 286220 Percent = 1.3121 VALUE = 292844 Percent = 1.3506 VALUE = 292844 Percent = 1.3506 VALUE = 299469 Percent = 0.961 VALUE = 299469 Percent = 0.961 VALUE = 306093 Percent = 0.4667 VALUE = 306093 Percent = 0.4667 VALUE = 312717 Percent = 0.173 VALUE = 312717 Percent = 0.173 VALUE = 319342 Percent = 0.0734 VALUE = 319342 Percent = 0.0734 VALUE = 325966 Percent = 0.0427 VALUE = 325966 Percent = 0.0427 VALUE = 332590 Percent = 0.0203 VALUE = 332590 Percent = 0.0203 VALUE = 339214 Percent = 0.0056 VALUE = 339214 Percent = 0.0056 VALUE = 345839 Percent = 0.0028 VALUE = 345839 Percent = 0.0028 VALUE = 352463 Percent = 0.009 VALUE = 352463 Percent = 0.009 VALUE = 359087 Percent = 0.0208 VALUE = 359087 Percent = 0.0208 VALUE = 365712 Percent = 0.0251 VALUE = 365712 Percent = 0.0251 VALUE = 372336 Percent = 0.0152 VALUE = 372336 Percent = 0.0152 VALUE = 378960 Percent = 0.0044 VALUE = 378960 Percent = 0.0044 VALUE = 385584 Percent = .00063 VALUE = 385584 Percent = .00063 VALUE = 392209 Percent = .00049 VALUE = 392209 Percent = .00049 VALUE = 398833 Percent = 0.0035 VALUE = 398833 Percent = 0.0035 VALUE = 405457 Percent = 0.0128 VALUE = 405457 Percent = 0.0128 VALUE = 412082 Percent = 0.0235 VALUE = 412082 Percent = 0.0235 VALUE = 418706 Percent = 0.0225 VALUE = 418706 Percent = 0.0225 VALUE = 425330 Percent = 0.0113 VALUE = 425330 Percent = 0.0113 VALUE = 431955 Percent = 0.0029 VALUE = 431955 Percent = 0.0029 VALUE = 438579 Percent = .00061 VALUE = 438579 Percent = .00061 VALUE = 445203 Percent = 0.0039 VALUE = 445203 Percent = 0.0039 VALUE = 451827 Percent = 0.0299 VALUE = 451827 Percent = 0.0299 VALUE = 458452 Percent = 0.1108 VALUE = 458452 Percent = 0.1108 VALUE = 465076 Percent = 0.208 VALUE = 465076 Percent = 0.208 VALUE = 471700 Percent = 0.2051 VALUE = 471700 Percent = 0.2051 VALUE = 478325 Percent = 0.1067 VALUE = 478325 Percent = 0.1067 VALUE = 484949 Percent = 0.0292 VALUE = 484949 Percent = 0.0292 VALUE = 491573 Percent = 0.0109 VALUE = 491573 Percent = 0.0109 VALUE = 498197 Percent = 0.0293 VALUE = 498197 Percent = 0.0293 VALUE = 504822 Percent = 0.0623 VALUE = 504822 Percent = 0.0623 VALUE = 511446 Percent = 0.0717 VALUE = 511446 Percent = 0.0717 VALUE = 518070 Percent = 0.0441 VALUE = 518070 Percent = 0.0441 VALUE = 524695 Percent = 0.0143 VALUE = 524695 Percent = 0.0143 VALUE = 531319 Percent = 0.0025 VALUE = 531319 Percent = 0.0025 VALUE = 537943 Percent = .00022 VALUE = 537943 Percent = .00022 VALUE = 544567 Percent = 1.8E-5 VALUE = 544567 Percent = 1.8E-5 VALUE = 551192 Percent = 0 VALUE = 551192 Percent = 0 VALUE = 816163 Percent = 0 VALUE = 816163 Percent = 0 VALUE = 822788 Percent = 7.9E-5 VALUE = 822788 Percent = 7.9E-5 VALUE = 829412 Percent = 0.0012 VALUE = 829412 Percent = 0.0012 VALUE = 836036 Percent = 0.0101 VALUE = 836036 Percent = 0.0101 VALUE = 842660 Percent = 0.041 VALUE = 842660 Percent = 0.041 VALUE = 849285 Percent = 0.0869 VALUE = 849285 Percent = 0.0869 VALUE = 855909 Percent = 0.097 VALUE = 855909 Percent = 0.097 VALUE = 862533 Percent = 0.0556 VALUE = 862533 Percent = 0.0556 VALUE = 869158 Percent = 0.0156 VALUE = 869158 Percent = 0.0156 VALUE = 875782 Percent = 0.0021 MORTDUE = 7500 Percent = 3.3811 MORTDUE = 22500 Percent = 8.5079 MORTDUE = 37500 Percent = 11.503 MORTDUE = 52500 Percent = 19.846 MORTDUE = 67500 Percent = 17.751 MORTDUE = 82500 Percent = 12.863 MORTDUE = 97500 Percent = 9.0408 MORTDUE = 112500 Percent = 4.5939 MORTDUE = 127500 Percent = 3.7486 MORTDUE = 142500 Percent = 3.5097 MORTDUE = 157500 Percent = 1.2312 MORTDUE = 172500 Percent = 0.8085 MORTDUE = 187500 Percent = 0.8453 MORTDUE = 202500 Percent = 0.8085 MORTDUE = 217500 Percent = 0.2756 MORTDUE = 232500 Percent = 0.8085 MORTDUE = 247500 Percent = 0.1838 MORTDUE = 262500 Percent = 0.0184 MORTDUE = 277500 Percent = 0 MORTDUE = 292500 Percent = 0.0184 MORTDUE = 307500 Percent = 0 MORTDUE = 322500 Percent = 0 MORTDUE = 337500 Percent = 0.0184 MORTDUE = 352500 Percent = 0 MORTDUE = 367500 Percent = 0.1654 MORTDUE = 382500 Percent = 0 MORTDUE = 397500 Percent = 0.0735 MORTDUE = -16569 Percent = 0.0032 MORTDUE = -13464 Percent = 0.0148 MORTDUE = -13464 Percent = 0.0148 MORTDUE = -10358 Percent = 0.0554 MORTDUE = -10358 Percent = 0.0554 MORTDUE = -7253 Percent = 0.1708 MORTDUE = -7253 Percent = 0.1708 MORTDUE = -4148 Percent = 0.4367 MORTDUE = -4148 Percent = 0.4367 MORTDUE = -1042 Percent = 0.9365 MORTDUE = -1042 Percent = 0.9365 MORTDUE = 2063 Percent = 1.7126 MORTDUE = 2063 Percent = 1.7126 MORTDUE = 5168.4 Percent = 2.7264 MORTDUE = 5168.4 Percent = 2.7264 MORTDUE = 14484 Percent = 6.119 MORTDUE = 14484 Percent = 6.119 MORTDUE = 17590 Percent = 7.0812 MORTDUE = 17590 Percent = 7.0812 MORTDUE = 20695 Percent = 7.8944 MORTDUE = 20695 Percent = 7.8944 MORTDUE = 23801 Percent = 8.5645 MORTDUE = 23801 Percent = 8.5645 MORTDUE = 30011 Percent = 9.7262 MORTDUE = 30011 Percent = 9.7262 MORTDUE = 33117 Percent = 10.465 MORTDUE = 33117 Percent = 10.465 MORTDUE = 36222 Percent = 11.505 MORTDUE = 36222 Percent = 11.505 MORTDUE = 39327 Percent = 12.92 MORTDUE = 39327 Percent = 12.92 MORTDUE = 45538 Percent = 16.345 MORTDUE = 45538 Percent = 16.345 MORTDUE = 48644 Percent = 17.784 MORTDUE = 48644 Percent = 17.784 MORTDUE = 51749 Percent = 18.755 MORTDUE = 51749 Percent = 18.755 MORTDUE = 54854 Percent = 19.239 MORTDUE = 54854 Percent = 19.239 MORTDUE = 57960 Percent = 19.303 MORTDUE = 57960 Percent = 19.303 MORTDUE = 61065 Percent = 19.016 MORTDUE = 61065 Percent = 19.016 MORTDUE = 64170 Percent = 18.456 MORTDUE = 64170 Percent = 18.456 MORTDUE = 67276 Percent = 17.724 MORTDUE = 67276 Percent = 17.724 MORTDUE = 70381 Percent = 16.902 MORTDUE = 70381 Percent = 16.902 MORTDUE = 73486 Percent = 16.016 MORTDUE = 73486 Percent = 16.016 MORTDUE = 76592 Percent = 15.051 MORTDUE = 76592 Percent = 15.051 MORTDUE = 85908 Percent = 11.926 MORTDUE = 85908 Percent = 11.926 MORTDUE = 89013 Percent = 11.036 MORTDUE = 89013 Percent = 11.036 MORTDUE = 92119 Percent = 10.256 MORTDUE = 92119 Percent = 10.256 MORTDUE = 95224 Percent = 9.509 MORTDUE = 95224 Percent = 9.509 MORTDUE = 98329 Percent = 8.7016 MORTDUE = 98329 Percent = 8.7016 MORTDUE = 101435 Percent = 7.7999 MORTDUE = 101435 Percent = 7.7999 MORTDUE = 104540 Percent = 6.847 MORTDUE = 104540 Percent = 6.847 MORTDUE = 107645 Percent = 5.9298 MORTDUE = 107645 Percent = 5.9298 MORTDUE = 110751 Percent = 5.1341 MORTDUE = 110751 Percent = 5.1341 MORTDUE = 113856 Percent = 4.5184 MORTDUE = 113856 Percent = 4.5184 MORTDUE = 116962 Percent = 4.1045 MORTDUE = 116962 Percent = 4.1045 MORTDUE = 120067 Percent = 3.8783 MORTDUE = 120067 Percent = 3.8783 MORTDUE = 123172 Percent = 3.7975 MORTDUE = 123172 Percent = 3.7975 MORTDUE = 126278 Percent = 3.8062 MORTDUE = 126278 Percent = 3.8062 MORTDUE = 129383 Percent = 3.8463 MORTDUE = 129383 Percent = 3.8463 MORTDUE = 132488 Percent = 3.8616 MORTDUE = 132488 Percent = 3.8616 MORTDUE = 135594 Percent = 3.8044 MORTDUE = 135594 Percent = 3.8044 MORTDUE = 138699 Percent = 3.6501 MORTDUE = 138699 Percent = 3.6501 MORTDUE = 141805 Percent = 3.4045 MORTDUE = 141805 Percent = 3.4045 MORTDUE = 144910 Percent = 3.087 MORTDUE = 144910 Percent = 3.087 MORTDUE = 148015 Percent = 2.7086 MORTDUE = 148015 Percent = 2.7086 MORTDUE = 151121 Percent = 2.2775 MORTDUE = 151121 Percent = 2.2775 MORTDUE = 154226 Percent = 1.8241 MORTDUE = 154226 Percent = 1.8241 MORTDUE = 157331 Percent = 1.4078 MORTDUE = 157331 Percent = 1.4078 MORTDUE = 160437 Percent = 1.0895 MORTDUE = 160437 Percent = 1.0895 MORTDUE = 163542 Percent = 0.8955 MORTDUE = 163542 Percent = 0.8955 MORTDUE = 166647 Percent = 0.8081 MORTDUE = 166647 Percent = 0.8081 MORTDUE = 169753 Percent = 0.786 MORTDUE = 169753 Percent = 0.786 MORTDUE = 172858 Percent = 0.7921 MORTDUE = 172858 Percent = 0.7921 MORTDUE = 175964 Percent = 0.8067 MORTDUE = 175964 Percent = 0.8067 MORTDUE = 179069 Percent = 0.8255 MORTDUE = 179069 Percent = 0.8255 MORTDUE = 182174 Percent = 0.8494 MORTDUE = 182174 Percent = 0.8494 MORTDUE = 185280 Percent = 0.8768 MORTDUE = 185280 Percent = 0.8768 MORTDUE = 188385 Percent = 0.9011 MORTDUE = 188385 Percent = 0.9011 MORTDUE = 191490 Percent = 0.9125 MORTDUE = 191490 Percent = 0.9125 MORTDUE = 194596 Percent = 0.9015 MORTDUE = 194596 Percent = 0.9015 MORTDUE = 197701 Percent = 0.86 MORTDUE = 197701 Percent = 0.86 MORTDUE = 200807 Percent = 0.7828 MORTDUE = 200807 Percent = 0.7828 MORTDUE = 203912 Percent = 0.6733 MORTDUE = 203912 Percent = 0.6733 MORTDUE = 207017 Percent = 0.5492 MORTDUE = 207017 Percent = 0.5492 MORTDUE = 210123 Percent = 0.4391 MORTDUE = 210123 Percent = 0.4391 MORTDUE = 213228 Percent = 0.3694 MORTDUE = 213228 Percent = 0.3694 MORTDUE = 216333 Percent = 0.3496 MORTDUE = 216333 Percent = 0.3496 MORTDUE = 219439 Percent = 0.3741 MORTDUE = 219439 Percent = 0.3741 MORTDUE = 222544 Percent = 0.4344 MORTDUE = 222544 Percent = 0.4344 MORTDUE = 225649 Percent = 0.5237 MORTDUE = 225649 Percent = 0.5237 MORTDUE = 228755 Percent = 0.6274 MORTDUE = 228755 Percent = 0.6274 MORTDUE = 231860 Percent = 0.7142 MORTDUE = 231860 Percent = 0.7142 MORTDUE = 234966 Percent = 0.7437 MORTDUE = 234966 Percent = 0.7437 MORTDUE = 238071 Percent = 0.6898 MORTDUE = 238071 Percent = 0.6898 MORTDUE = 241176 Percent = 0.5601 MORTDUE = 241176 Percent = 0.5601 MORTDUE = 244282 Percent = 0.3943 MORTDUE = 244282 Percent = 0.3943 MORTDUE = 247387 Percent = 0.2412 MORTDUE = 247387 Percent = 0.2412 MORTDUE = 250492 Percent = 0.1314 MORTDUE = 250492 Percent = 0.1314 MORTDUE = 253598 Percent = 0.068 MORTDUE = 253598 Percent = 0.068 MORTDUE = 256703 Percent = 0.0367 MORTDUE = 256703 Percent = 0.0367 MORTDUE = 259808 Percent = 0.0212 MORTDUE = 259808 Percent = 0.0212 MORTDUE = 262914 Percent = 0.012 MORTDUE = 262914 Percent = 0.012 MORTDUE = 266019 Percent = 0.006 MORTDUE = 266019 Percent = 0.006 MORTDUE = 269125 Percent = 0.0026 MORTDUE = 269125 Percent = 0.0026 MORTDUE = 272230 Percent = 0.0012 MORTDUE = 272230 Percent = 0.0012 MORTDUE = 275335 Percent = 0.0016 MORTDUE = 275335 Percent = 0.0016 MORTDUE = 278441 Percent = 0.0035 MORTDUE = 278441 Percent = 0.0035 MORTDUE = 281546 Percent = 0.0073 MORTDUE = 281546 Percent = 0.0073 MORTDUE = 284651 Percent = 0.012 MORTDUE = 284651 Percent = 0.012 MORTDUE = 287757 Percent = 0.0159 MORTDUE = 287757 Percent = 0.0159 MORTDUE = 290862 Percent = 0.0168 MORTDUE = 290862 Percent = 0.0168 MORTDUE = 293968 Percent = 0.0141 MORTDUE = 293968 Percent = 0.0141 MORTDUE = 297073 Percent = 0.0094 MORTDUE = 297073 Percent = 0.0094 MORTDUE = 300178 Percent = 0.005 MORTDUE = 300178 Percent = 0.005 MORTDUE = 303284 Percent = 0.0021 MORTDUE = 303284 Percent = 0.0021 MORTDUE = 306389 Percent = .00071 MORTDUE = 306389 Percent = .00071 MORTDUE = 309494 Percent = .00025 MORTDUE = 309494 Percent = .00025 MORTDUE = 312600 Percent = .00032 MORTDUE = 312600 Percent = .00032 MORTDUE = 315705 Percent = 0.001 MORTDUE = 315705 Percent = 0.001 MORTDUE = 318810 Percent = 0.0028 MORTDUE = 318810 Percent = 0.0028 MORTDUE = 321916 Percent = 0.0063 MORTDUE = 321916 Percent = 0.0063 MORTDUE = 325021 Percent = 0.0111 MORTDUE = 325021 Percent = 0.0111 MORTDUE = 328127 Percent = 0.0155 MORTDUE = 328127 Percent = 0.0155 MORTDUE = 331232 Percent = 0.0172 MORTDUE = 331232 Percent = 0.0172 MORTDUE = 334337 Percent = 0.015 MORTDUE = 334337 Percent = 0.015 MORTDUE = 340548 Percent = 0.0059 MORTDUE = 340548 Percent = 0.0059 MORTDUE = 343653 Percent = 0.0034 MORTDUE = 343653 Percent = 0.0034 MORTDUE = 346759 Percent = 0.0045 MORTDUE = 346759 Percent = 0.0045 MORTDUE = 349864 Percent = 0.0115 MORTDUE = 349864 Percent = 0.0115 MORTDUE = 352969 Percent = 0.0278 MORTDUE = 352969 Percent = 0.0278 MORTDUE = 356075 Percent = 0.0557 MORTDUE = 356075 Percent = 0.0557 MORTDUE = 359180 Percent = 0.0911 MORTDUE = 359180 Percent = 0.0911 MORTDUE = 362286 Percent = 0.1225 MORTDUE = 362286 Percent = 0.1225 MORTDUE = 365391 Percent = 0.1366 MORTDUE = 365391 Percent = 0.1366 MORTDUE = 368496 Percent = 0.127 MORTDUE = 368496 Percent = 0.127 MORTDUE = 371602 Percent = 0.099 MORTDUE = 371602 Percent = 0.099 MORTDUE = 374707 Percent = 0.0652 MORTDUE = 374707 Percent = 0.0652 MORTDUE = 377812 Percent = 0.0374 MORTDUE = 377812 Percent = 0.0374 MORTDUE = 380918 Percent = 0.022 MORTDUE = 380918 Percent = 0.022 MORTDUE = 384023 Percent = 0.0193 MORTDUE = 384023 Percent = 0.0193 MORTDUE = 387129 Percent = 0.0262 MORTDUE = 387129 Percent = 0.0262 MORTDUE = 390234 Percent = 0.0387 MORTDUE = 390234 Percent = 0.0387 MORTDUE = 393339 Percent = 0.0517 MORTDUE = 393339 Percent = 0.0517 MORTDUE = 396445 Percent = 0.0594 MORTDUE = 396445 Percent = 0.0594 MORTDUE = 399550 Percent = 0.0575 MORTDUE = 399550 Percent = 0.0575 MORTDUE = 402655 Percent = 0.0459 MORTDUE = 402655 Percent = 0.0459 MORTDUE = 405761 Percent = 0.0298 MORTDUE = 405761 Percent = 0.0298 MORTDUE = 408866 Percent = 0.0155 MORTDUE = 408866 Percent = 0.0155 MORTDUE = 411971 Percent = 0.0065 MORTDUE = 411971 Percent = 0.0065 MORTDUE = 415077 Percent = 0.0022 MORTDUE = 415077 Percent = 0.0022 MORTDUE = 418182 Percent = .00057 LOAN = 1500 Percent = 0.6376 LOAN = 4500 Percent = 4.4631 LOAN = 7500 Percent = 10.017 LOAN = 10500 Percent = 13.289 LOAN = 13500 Percent = 13.826 LOAN = 16500 Percent = 14.446 LOAN = 19500 Percent = 10.554 LOAN = 22500 Percent = 9.6477 LOAN = 25500 Percent = 8.0369 LOAN = 28500 Percent = 4.3289 LOAN = 31500 Percent = 2.5671 LOAN = 34500 Percent = 1.4765 LOAN = 37500 Percent = 1.2919 LOAN = 40500 Percent = 1.2416 LOAN = 43500 Percent = 0.9396 LOAN = 46500 Percent = 0.4698 LOAN = 49500 Percent = 0.8893 LOAN = 52500 Percent = 0.6208 LOAN = 55500 Percent = 0.0336 LOAN = 58500 Percent = 0.151 LOAN = 61500 Percent = 0.1342 LOAN = 64500 Percent = 0.1846 LOAN = 67500 Percent = 0.1174 LOAN = 70500 Percent = 0.1342 LOAN = 73500 Percent = 0.0168 LOAN = 76500 Percent = 0.0671 LOAN = 79500 Percent = 0.1342 LOAN = 82500 Percent = 0.0839 LOAN = 85500 Percent = 0.0168 LOAN = 88500 Percent = 0.1846 LOAN = -3756 Percent = 0.0015 LOAN = -3063 Percent = 0.0056 LOAN = -3063 Percent = 0.0056 LOAN = -2369 Percent = 0.0174 LOAN = -2369 Percent = 0.0174 LOAN = -1675 Percent = 0.0473 LOAN = -1675 Percent = 0.0473 LOAN = -981.3 Percent = 0.1131 LOAN = -981.3 Percent = 0.1131 LOAN = -287.5 Percent = 0.2403 LOAN = -287.5 Percent = 0.2403 LOAN = 406.25 Percent = 0.4583 LOAN = 406.25 Percent = 0.4583 LOAN = 1100 Percent = 0.7967 LOAN = 1100 Percent = 0.7967 LOAN = 1793.8 Percent = 1.282 LOAN = 1793.8 Percent = 1.282 LOAN = 2487.5 Percent = 1.9365 LOAN = 2487.5 Percent = 1.9365 LOAN = 3181.3 Percent = 2.7728 LOAN = 3181.3 Percent = 2.7728 LOAN = 3875 Percent = 3.7817 LOAN = 3875 Percent = 3.7817 LOAN = 4568.8 Percent = 4.9216 LOAN = 4568.8 Percent = 4.9216 LOAN = 6650 Percent = 8.5028 LOAN = 6650 Percent = 8.5028 LOAN = 7343.8 Percent = 9.6196 LOAN = 7343.8 Percent = 9.6196 LOAN = 8037.5 Percent = 10.673 LOAN = 8037.5 Percent = 10.673 LOAN = 8731.3 Percent = 11.638 LOAN = 8731.3 Percent = 11.638 LOAN = 9425 Percent = 12.471 LOAN = 9425 Percent = 12.471 LOAN = 10119 Percent = 13.134 LOAN = 10119 Percent = 13.134 LOAN = 10813 Percent = 13.61 LOAN = 10813 Percent = 13.61 LOAN = 11506 Percent = 13.911 LOAN = 11506 Percent = 13.911 LOAN = 12200 Percent = 14.076 LOAN = 12200 Percent = 14.076 LOAN = 12894 Percent = 14.155 LOAN = 12894 Percent = 14.155 LOAN = 13588 Percent = 14.185 LOAN = 13588 Percent = 14.185 LOAN = 14281 Percent = 14.167 LOAN = 14281 Percent = 14.167 LOAN = 14975 Percent = 14.053 LOAN = 14975 Percent = 14.053 LOAN = 15669 Percent = 13.782 LOAN = 15669 Percent = 13.782 LOAN = 16363 Percent = 13.322 LOAN = 16363 Percent = 13.322 LOAN = 17056 Percent = 12.71 LOAN = 17056 Percent = 12.71 LOAN = 17750 Percent = 12.039 LOAN = 17750 Percent = 12.039 LOAN = 18444 Percent = 11.418 LOAN = 18444 Percent = 11.418 LOAN = 19138 Percent = 10.923 LOAN = 19138 Percent = 10.923 LOAN = 19831 Percent = 10.569 LOAN = 19831 Percent = 10.569 LOAN = 20525 Percent = 10.312 LOAN = 20525 Percent = 10.312 LOAN = 21219 Percent = 10.079 LOAN = 21219 Percent = 10.079 LOAN = 21913 Percent = 9.8136 LOAN = 21913 Percent = 9.8136 LOAN = 22606 Percent = 9.4994 LOAN = 22606 Percent = 9.4994 LOAN = 23300 Percent = 9.1489 LOAN = 23300 Percent = 9.1489 LOAN = 23994 Percent = 8.774 LOAN = 23994 Percent = 8.774 LOAN = 24688 Percent = 8.362 LOAN = 24688 Percent = 8.362 LOAN = 25381 Percent = 7.8794 LOAN = 25381 Percent = 7.8794 LOAN = 26075 Percent = 7.2964 LOAN = 26075 Percent = 7.2964 LOAN = 26769 Percent = 6.6069 LOAN = 26769 Percent = 6.6069 LOAN = 27463 Percent = 5.8355 LOAN = 27463 Percent = 5.8355 LOAN = 28156 Percent = 5.0334 LOAN = 28156 Percent = 5.0334 LOAN = 28850 Percent = 4.269 LOAN = 28850 Percent = 4.269 LOAN = 29544 Percent = 3.6084 LOAN = 29544 Percent = 3.6084 LOAN = 30238 Percent = 3.0898 LOAN = 30238 Percent = 3.0898 LOAN = 30931 Percent = 2.7094 LOAN = 30931 Percent = 2.7094 LOAN = 31625 Percent = 2.4299 LOAN = 31625 Percent = 2.4299 LOAN = 32319 Percent = 2.2053 LOAN = 32319 Percent = 2.2053 LOAN = 33013 Percent = 2.0018 LOAN = 33013 Percent = 2.0018 LOAN = 33706 Percent = 1.8078 LOAN = 33706 Percent = 1.8078 LOAN = 34400 Percent = 1.6294 LOAN = 34400 Percent = 1.6294 LOAN = 35094 Percent = 1.4796 LOAN = 35094 Percent = 1.4796 LOAN = 35788 Percent = 1.3665 LOAN = 35788 Percent = 1.3665 LOAN = 36481 Percent = 1.2893 LOAN = 36481 Percent = 1.2893 LOAN = 37175 Percent = 1.2419 LOAN = 37175 Percent = 1.2419 LOAN = 37869 Percent = 1.2183 LOAN = 37869 Percent = 1.2183 LOAN = 38563 Percent = 1.2133 LOAN = 38563 Percent = 1.2133 LOAN = 39256 Percent = 1.2198 LOAN = 39256 Percent = 1.2198 LOAN = 39950 Percent = 1.227 LOAN = 39950 Percent = 1.227 LOAN = 40644 Percent = 1.222 LOAN = 40644 Percent = 1.222 LOAN = 41338 Percent = 1.1928 LOAN = 41338 Percent = 1.1928 LOAN = 42031 Percent = 1.1308 LOAN = 42031 Percent = 1.1308 LOAN = 42725 Percent = 1.0337 LOAN = 42725 Percent = 1.0337 LOAN = 43419 Percent = 0.9081 LOAN = 43419 Percent = 0.9081 LOAN = 44113 Percent = 0.7712 LOAN = 44113 Percent = 0.7712 LOAN = 44806 Percent = 0.6465 LOAN = 44806 Percent = 0.6465 LOAN = 45500 Percent = 0.5545 LOAN = 45500 Percent = 0.5545 LOAN = 46194 Percent = 0.5063 LOAN = 46194 Percent = 0.5063 LOAN = 46888 Percent = 0.5032 LOAN = 46888 Percent = 0.5032 LOAN = 47581 Percent = 0.5416 LOAN = 47581 Percent = 0.5416 LOAN = 48275 Percent = 0.6139 LOAN = 48275 Percent = 0.6139 LOAN = 48969 Percent = 0.7039 LOAN = 48969 Percent = 0.7039 LOAN = 49663 Percent = 0.7848 LOAN = 49663 Percent = 0.7848 LOAN = 50356 Percent = 0.8263 LOAN = 50356 Percent = 0.8263 LOAN = 51050 Percent = 0.8102 LOAN = 51050 Percent = 0.8102 LOAN = 51744 Percent = 0.7395 LOAN = 51744 Percent = 0.7395 LOAN = 52438 Percent = 0.6325 LOAN = 52438 Percent = 0.6325 LOAN = 53825 Percent = 0.3887 LOAN = 53825 Percent = 0.3887 LOAN = 54519 Percent = 0.28 LOAN = 54519 Percent = 0.28 LOAN = 55213 Percent = 0.194 LOAN = 55213 Percent = 0.194 LOAN = 55906 Percent = 0.1377 LOAN = 55906 Percent = 0.1377 LOAN = 56600 Percent = 0.1121 LOAN = 56600 Percent = 0.1121 LOAN = 57294 Percent = 0.1113 LOAN = 57294 Percent = 0.1113 LOAN = 57988 Percent = 0.1247 LOAN = 57988 Percent = 0.1247 LOAN = 58681 Percent = 0.1409 LOAN = 58681 Percent = 0.1409 LOAN = 59375 Percent = 0.151 LOAN = 59375 Percent = 0.151 LOAN = 60069 Percent = 0.1509 LOAN = 60069 Percent = 0.1509 LOAN = 60763 Percent = 0.143 LOAN = 60763 Percent = 0.143 LOAN = 61456 Percent = 0.1337 LOAN = 61456 Percent = 0.1337 LOAN = 62150 Percent = 0.1298 LOAN = 62150 Percent = 0.1298 LOAN = 62844 Percent = 0.1347 LOAN = 62844 Percent = 0.1347 LOAN = 63538 Percent = 0.147 LOAN = 63538 Percent = 0.147 LOAN = 64231 Percent = 0.1618 LOAN = 64231 Percent = 0.1618 LOAN = 64925 Percent = 0.1726 LOAN = 64925 Percent = 0.1726 LOAN = 65619 Percent = 0.175 LOAN = 65619 Percent = 0.175 LOAN = 66313 Percent = 0.1687 LOAN = 66313 Percent = 0.1687 LOAN = 67006 Percent = 0.1576 LOAN = 67006 Percent = 0.1576 LOAN = 67700 Percent = 0.147 LOAN = 67700 Percent = 0.147 LOAN = 68394 Percent = 0.1397 LOAN = 68394 Percent = 0.1397 LOAN = 69088 Percent = 0.1342 LOAN = 69088 Percent = 0.1342 LOAN = 69781 Percent = 0.1265 LOAN = 69781 Percent = 0.1265 LOAN = 70475 Percent = 0.1134 LOAN = 70475 Percent = 0.1134 LOAN = 71169 Percent = 0.0947 LOAN = 71169 Percent = 0.0947 LOAN = 71863 Percent = 0.0732 LOAN = 71863 Percent = 0.0732 LOAN = 72556 Percent = 0.0536 LOAN = 72556 Percent = 0.0536 LOAN = 73250 Percent = 0.0398 LOAN = 73250 Percent = 0.0398 LOAN = 73944 Percent = 0.0338 LOAN = 73944 Percent = 0.0338 LOAN = 74638 Percent = 0.0359 LOAN = 74638 Percent = 0.0359 LOAN = 75331 Percent = 0.0447 LOAN = 75331 Percent = 0.0447 LOAN = 76025 Percent = 0.0583 LOAN = 76025 Percent = 0.0583 LOAN = 76719 Percent = 0.0745 LOAN = 76719 Percent = 0.0745 LOAN = 77413 Percent = 0.0913 LOAN = 77413 Percent = 0.0913 LOAN = 78106 Percent = 0.1069 LOAN = 78106 Percent = 0.1069 LOAN = 78800 Percent = 0.1191 LOAN = 78800 Percent = 0.1191 LOAN = 79494 Percent = 0.1258 LOAN = 79494 Percent = 0.1258 LOAN = 80188 Percent = 0.1257 LOAN = 80188 Percent = 0.1257 LOAN = 80881 Percent = 0.1178 LOAN = 80881 Percent = 0.1178 LOAN = 81575 Percent = 0.1028 LOAN = 81575 Percent = 0.1028 LOAN = 82269 Percent = 0.0828 LOAN = 82269 Percent = 0.0828 LOAN = 82963 Percent = 0.0621 LOAN = 82963 Percent = 0.0621 LOAN = 83656 Percent = 0.0454 LOAN = 83656 Percent = 0.0454 LOAN = 84350 Percent = 0.0369 LOAN = 84350 Percent = 0.0369 LOAN = 85044 Percent = 0.0386 LOAN = 85044 Percent = 0.0386 LOAN = 85738 Percent = 0.0499 LOAN = 85738 Percent = 0.0499 LOAN = 86431 Percent = 0.0685 LOAN = 86431 Percent = 0.0685 LOAN = 87125 Percent = 0.0903 LOAN = 87125 Percent = 0.0903 LOAN = 87819 Percent = 0.1094 LOAN = 87819 Percent = 0.1094 LOAN = 88513 Percent = 0.1192 LOAN = 88513 Percent = 0.1192 LOAN = 89206 Percent = 0.1154 LOAN = 89206 Percent = 0.1154 LOAN = 89900 Percent = 0.0982 LOAN = 89900 Percent = 0.0982 LOAN = 91288 Percent = 0.0472 LOAN = 91288 Percent = 0.0472 LOAN = 91981 Percent = 0.0263 LOAN = 91981 Percent = 0.0263 LOAN = 92675 Percent = 0.0127 LOAN = 92675 Percent = 0.0127 LOAN = 93369 Percent = 0.0052 LOAN = 93369 Percent = 0.0052 LOAN = 94063 Percent = 0.0019 LOAN = 94063 Percent = 0.0019 LOAN = 94756 Percent = .00057

Frequency Analysis of Categorical Features

The SGPanel Procedure For both event levels most observations list OTHER as job role. In both cases the majority of loans are for Debt Consolidation. Missing values do not appear related to the event level so may be missing at random. DebtCon HomeImp Missing REASON JOB BAD_CLASS = 1 BAD_CLASS = 0 Missing Sales Self Office Mgr ProfExe Other Sales Self Missing Mgr Office ProfExe Other 0% 10% 20% 30% Frequency Count The SGPanel Procedure For both event levels most observations list OTHER as job role. In both cases the majority of loans are for Debt Consolidation. Missing values do not appear related to the event level so may be missing at random. DebtCon HomeImp Missing REASON JOB JOB = Missing Frequency Count = 0.1% REASON = HomeImp JOB = Missing Frequency Count = 0.2% REASON = DebtCon JOB = Missing Frequency Count = 0.2% REASON = Missing JOB = Sales Frequency Count = 0.0% REASON = Missing JOB = Sales Frequency Count = 0.1% REASON = HomeImp JOB = Sales Frequency Count = 0.6% REASON = DebtCon JOB = Self Frequency Count = 0.1% REASON = Missing JOB = Self Frequency Count = 0.4% REASON = HomeImp JOB = Self Frequency Count = 0.5% REASON = DebtCon JOB = Office Frequency Count = 0.0% REASON = Missing JOB = Office Frequency Count = 0.6% REASON = HomeImp JOB = Office Frequency Count = 1.5% REASON = DebtCon JOB = Mgr Frequency Count = 0.1% REASON = Missing JOB = Mgr Frequency Count = 0.9% REASON = HomeImp JOB = Mgr Frequency Count = 1.9% REASON = DebtCon JOB = ProfExe Frequency Count = 0.2% REASON = Missing JOB = ProfExe Frequency Count = 1.2% REASON = HomeImp JOB = ProfExe Frequency Count = 2.2% REASON = DebtCon JOB = Other Frequency Count = 0.3% REASON = Missing JOB = Other Frequency Count = 3.4% REASON = HomeImp JOB = Other Frequency Count = 5.6% REASON = DebtCon BAD_CLASS = 1 JOB = Sales Frequency Count = 0.0% REASON = Missing JOB = Sales Frequency Count = 0.1% REASON = HomeImp JOB = Sales Frequency Count = 1.1% REASON = DebtCon JOB = Self Frequency Count = 0.0% REASON = Missing JOB = Self Frequency Count = 0.7% REASON = DebtCon JOB = Self Frequency Count = 1.6% REASON = HomeImp JOB = Missing Frequency Count = 0.9% REASON = HomeImp JOB = Missing Frequency Count = 1.6% REASON = Missing JOB = Missing Frequency Count = 1.8% REASON = DebtCon JOB = Mgr Frequency Count = 0.2% REASON = Missing JOB = Mgr Frequency Count = 2.0% REASON = HomeImp JOB = Mgr Frequency Count = 7.7% REASON = DebtCon JOB = Office Frequency Count = 0.5% REASON = Missing JOB = Office Frequency Count = 4.5% REASON = HomeImp JOB = Office Frequency Count = 8.9% REASON = DebtCon JOB = ProfExe Frequency Count = 0.2% REASON = Missing JOB = ProfExe Frequency Count = 5.6% REASON = HomeImp JOB = ProfExe Frequency Count = 12.0% REASON = DebtCon JOB = Other Frequency Count = 0.9% REASON = Missing JOB = Other Frequency Count = 8.6% REASON = HomeImp JOB = Other Frequency Count = 21.3% REASON = DebtCon BAD_CLASS = 0 Missing Sales Self Office Mgr ProfExe Other Sales Self Missing Mgr Office ProfExe Other 0% 10% 20% 30% Frequency Count

Information Gain by Feature

The SGPlot Procedure REASON JOB CLNO MORTDUE NINQ YOJ VALUE CLAGE DEROG LOAN DEBTINC DELINQ FEATURE 0.00 0.02 0.04 0.06 0.08 MI (Sum) DELINQ DEROG and DEBTINC appear to have them most explanatory value for BAD. The job and reason for the loan appears to not be very important, which is consistent with our frequency plot The SGPlot Procedure FEATURE = REASON MI (Sum) = 0.001 FEATURE = JOB MI (Sum) = 0.0105 FEATURE = CLNO MI (Sum) = 0.019 FEATURE = MORTDUE MI (Sum) = 0.0196 FEATURE = NINQ MI (Sum) = 0.0216 FEATURE = YOJ MI (Sum) = 0.0267 FEATURE = VALUE MI (Sum) = 0.0285 FEATURE = CLAGE MI (Sum) = 0.0361 FEATURE = DEROG MI (Sum) = 0.0493 FEATURE = LOAN MI (Sum) = 0.055 FEATURE = DEBTINC MI (Sum) = 0.0788 FEATURE = DELINQ MI (Sum) = 0.0811 REASON JOB CLNO MORTDUE NINQ YOJ VALUE CLAGE DEROG LOAN DEBTINC DELINQ FEATURE 0.00 0.02 0.04 0.06 0.08 MI (Sum) DELINQ DEROG and DEBTINC appear to have them most explanatory value for BAD. The job and reason for the loan appears to not be very important, which is consistent with our frequency plot